| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | HIGHMARK INC. | $200K | — | $200K | 4.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $97K | $97K | 2.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $65K | $65K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $74K | $74K | 2.49% |
| BUCK GLOBAL LLC3 Filed as: BUCK GLOBAL, INC. | PO BOX 207640 DALLAS, TX 75320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646K | — | $646K | 29.91% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M WARDLAW JR. | 187 S CULVER ST. LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.05% |
| JAMES R HILL JR3 Filed as: JAMES R. HILL JR. | 7021 MARSEILLES CAT SUMMERFIELD, NC 27358 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | — | $735 | 0.03% |
| ALFRED E DEVINE3 Filed as: ALFRED E. DEVINE | 324 DEVINE WAY SILER CITY, NC 27344 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | — | $261 | 0.01% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $20K | $20K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731299 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $15K | $15K | 1.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $16K | $16K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 30150 TELEGRAPH RD. SUITE 408 BINGHAM FARMS, MI 480255708 | HEALTH ALLIANCE PLAN | $20K | — | $20K | 3.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $95 | $26K | 5.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 600731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 1.77% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS | PO BOX 202640 DALLAS, TX 753202617 | LEGALPLANS USA | $39K | — | $39K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. - HOUSTON | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 6.90% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.52% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.54% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $127 | — | $127 | 0.12% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $123 | — | $123 | 0.12% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.61% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 0.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON SALEM | 100 N MAIN ST. SUITE 2200 WINSTON-SALEM, NC 27101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - WINSTON SALEM | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2600 S. TELEGRAPH RD. SUITE 100 BLOOMFIELD HILLS, MI 48302 | ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.96% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $886 | $886 | 2.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $869 | $869 | 2.57% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | — | $4K | 10.68% |
| ADMIN ADVISORY GROUP INC3 | 105 SOUTH DEXTER AVE DELAND, FL 32720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| DAVIS II COMPANIES LLC3 | 4200 W CYPRESS STREET TAMPA, FL 33607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $145 | — | $145 | 0.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 0.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.67% |
| AON CONSULTING INC3 Filed as: AON HEWITT - RADNOR PA | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 9.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $475 | — | $475 | 2.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $988 | $988 | 5.51% |
| ADMINISTRATORS ADVISORY GROUP3 Filed as: ADMINISTRATORS ADVISORY GROUP INC. | PO BOX 549 DELAND, FL 32721 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FWY. SUITE 500 HOUSTON, TX 77024 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $17K | $21K | 157.03% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST. FL 24 CINCINNATI, OH 452022701 | UNITED HEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 8.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $594 | $594 | 4.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $845 | — | $845 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $472 | $472 | 5.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | — | $626 | 9.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NATIONAL INCENTIVE 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $337 | $337 | 5.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | MINNESOTA LIFE INSURANCE COMPANY | — | $167 | $167 | 2.56% |
| AP BENEFIT ADVISORS, LLC3 | 10 N PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $555 | — | $555 | 9.99% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $135 | $135 | 2.43% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 17,385 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 646 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 18,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | HIGHMARK INC. | 781 | $9.9M |
| Dental(5 contracts, 4 carriers) | HIGHMARK INC. | 12,066 | $8.3M |
| Vision(8 contracts, 4 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 57,119 | $1.5M |
| Life insurance(15 contracts, 6 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 24,695 | $7.5M |
| Short-term disability(5 contracts, 5 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 674 | $486K |
| Long-term disability(10 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,117 | $6.3M |
| Prescription drug(5 contracts, 4 carriers) | HIGHMARK INC. | 781 | $9.9M |
| Other(15 contracts, 10 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 30,853 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 57,119 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.